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    Wednesday, December 16, 2020

    Real Estate Investing: How I turned $54k into $400K+ in 8 Months (PT II)

    Real Estate Investing: How I turned $54k into $400K+ in 8 Months (PT II)


    How I turned $54k into $400K+ in 8 Months (PT II)

    Posted: 15 Dec 2020 05:25 PM PST

    Back in May I gave you all a report on How I turned $54k into $400K+ in 8 Months. I still get random DMs and comments about that post, so I thought I'd share this bit of accounting that I just wrapped up as approach the end of the year and our refinance event:

    If you read the previous post you'll see (after a lot of math) that I spent $54k to rehab some of the old decrepit units that I acquired with the purchase of my mobile home park. And because of the way that NOI/Cap rates and valuations all work out I catapulted my NW by $400k!

    One of the most beautiful aspects of mobile home park investing is that you get to cover a large swath of Real Estate Investing Types. When I rehabbed those units not only did I rent them out (to add 400k to the value of the property) but I was also able to sell those homes on seller finance deals to my tenants. Here what that looks like:

    Unit Maturity Date Original Principal Remaining Balance
    68 11/22 3600 3450
    104 8/22 3600 3000
    159 11/22 3600 3450
    106 8/22 3600 3000
    141 1/22 2400 1300
    66 9/22 3600 3150
    84 2/22 2400 1400
    124 5/22 3600 2550
    147 3/22 3600 2250
    162 11/21 2400 1100
    49 3/22 3600 2250
    180 6/22 3600 2700
    97 11/22 3600 3450
    3 7/22 3600 2850
    100 5/22 3600 2550
    154 3/22 3600 2250
    23 4/22 2400 1600
    125 3/22 3600 2250
    90 6/22 3600 2700
    46 3/22 3600 2250
    Total Units: 20 $67,200 $49,500

    I've sold the 20 units for a combined total of $67,200! Not only am I getting that 54k back, but I could potentially make another $13,200.

    My ROI on the rehab is now 765%

    And that doesn't include the $6,500/mo in Gross Income that I'm now generating because I've turned those decrepit units into cash flowing units. Plus I'm generating another $2,800/mo in tax advantaged principal payments on the sale of these homes.

    Cheers!

    submitted by /u/LordAshon
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    Should my first property also be my first home, or a rental?

    Posted: 15 Dec 2020 01:35 PM PST

    I definitely want to purchase a property, but I want to know if conventional wisdom says to 1) purchase a rental first and get some good cash flow to fund a home for myself (and renting in the meantime), or 2) if I should purchase a home for myself first (so I can stop burning money by paying rent) and just get a rental later down the road.

    I currently rent right now ($1660/mo) and live with my fiancée in SW Austin. We both have fairly high paying jobs ($170k combined) both in a tech field. We are both 25 and my goal is to FIRE by age 45 latest. Let me know if any more info is needed from me.

    submitted by /u/PeanutButterGod
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    Inheriting rental property portfolio - What do I do?

    Posted: 15 Dec 2020 10:08 PM PST

    So it turns out my grandfather gave my brother and I his entire portfolio of rental properties when he passed recently. I still don't know the details, but I'm trying to figure out what to do. This is a tremendous blessing and I really don't want to fuck this up.

    As I understand it, there are about 8 rental properties. All of them are multi-family apartment buildings in southern California. I don't have the details yet, but I have been told that they are all more than 60% paid off (overall, not each) and are "cash flow positive".

    My plan, so far:

    • Read up, fast. A few books recommended to me: Richest Man in Babylon, The Book on Rental Property Investing,
    • Assess the basics. He has all of the basic information stored away in filing cabinets in his house. I want to start by putting a spreadsheet together for the whole portfolio, and then diving into each property. I want to know: Purchase dates, price, loan info/terms, mortgage payments, occupancies, rents coming in, historical maintenance costs, etc
    • Learn what it takes to manage these properties BUT
    • Probably find someone to manage them for me

    I've oversimplified this with very little knowledge. Can anyone help advise/guide me in the right direction?

    submitted by /u/medic23
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    Seller Financing

    Posted: 15 Dec 2020 06:15 AM PST

    I scheduled an appointment to see a house this week and they say they are open to seller financing. I am a newbie looking for my first deal and I am nervous as hell mainly because Its my first time ever stepping out to talk about buying a home and also I suck at selling myself. What questions should I ask? Should I make an offer same day? What should I look for?

    submitted by /u/Regular-Marsupial-57
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    Surplus Funds

    Posted: 16 Dec 2020 01:01 AM PST

    My friend was talking to me about how there's money to be made on pointing others in the direction of money owed to them from foreclosed houses that were sold more than they were worth. I do not if there is any validity to this or not so I'm asking Reddit because you guys have never once lied to me. If this is true how would one get into this type of business? Rules and regulations?

    submitted by /u/daddyd300
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    Is buying the cheap house in a nice neighborhood worth it?

    Posted: 15 Dec 2020 08:43 PM PST

    My husband and I are looking for our first home in southern CA (Orange County). We are looking for something with a decent sized lot to build an ADU in the future for rental income or for my in-laws to live, while maintaining some outdoor space for ourselves. Our budget is $1.25m (not including the cost of building the ADU) and we plan to stay at least 5 years, but are treating it as an investment.

    Based on what's available, it's looking like it makes sense to buy an older house in a nice neighborhood with the intent to update it ourselves. There are basically no houses under $1.25m that have a decent sized lot with a layout that would be amenable to an ADU *and* are updated in a way we like. Houses that meet those requirements are more like $1.4m - 2m.

    There are a couple houses available with lots that could work for $750k - 950k. Since we are in southern CA, I'm really worried that redoing the house would end up being more than $250k - 300k in repairs and renos, or that we would end up spending more than the house would be worth after the fact. So my questions are:

    • For those of you who have experience in OC, how much can I expect to spend *per sq ft* for a whole house, nice-but-not-luxury rehab/reno? Are we budgeting enough or do we need to compromise?
    • When looking at properties, what things are expensive to fix/update and we should avoid?

      • The $950k house is on a 1-acre, entirely flat lot, but the house needs a lot of work. The $750k house is in good condition and would mostly only need cosmetic upgrades, but it's on a hilly 1/4 acre (potentially making the cost to build the ADU way higher and awkwardly placed).
    • On the flip side, what things are cheap to fix/update or have a good enough ROI that it shouldn't deter us?

    Any words of wisdom are greatly appreciated -- it's hard to get clear answers since cost is so dependent on the condition of the house, area, etc. I guess I am looking for upper limits. Personal experiences welcome.

    submitted by /u/moneybusiness123
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    Pro forma templates for residential investment properties

    Posted: 15 Dec 2020 10:58 PM PST

    Hey everyone. I'm a student and have been learning about real estate investing and hope to buy my first property within the next two years. I've been doing some pro formas to get a better idea of the what makes a good investment property.

    Does anyone have a good template they use for single and multi family investment properties? Specifically for ones you might rehab and rent?

    I already made my own template but want to look at a few others to ensure I'm not missing anything. Thank you!

    submitted by /u/life_roll
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    Purchasing a Multi-family Rental w/ Tenants

    Posted: 15 Dec 2020 10:49 PM PST

    So recently I toured a property that had two families renting. They were nice and the agent touring me around was also nice. The families living there were hispanic and everything seemed ordinary(ish). They had young children living there, a pet, adults, and let me walk around and check out the place freely. However, I spoke with the agent because I wanted to confirm whether or not they were always paying on time, and wanted to run credit reports or something as a means to better screen the tenants.

    I was told they all paid month to month and have been living there 7 years but "most likely didn't have credit reports". He seems like a nice guy and I want to believe him but at the same time this is something that is significant and should be confirmed. Is there anything I should/can do to help assure me the tenants really are paying on time, every month as the agent claims? The last thing I'd want is to inherit a property with non-paying tenants. Thanks!

    submitted by /u/kawaki_
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    Am I allowed to talk to tenants during the closing process?

    Posted: 15 Dec 2020 06:22 PM PST

    I am in the middle of closing on a duplex... just wanted to know if I'm legally allowed to contact the current tenants to ask them questions as part of due diligence.

    submitted by /u/versanshie
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    Newbie question

    Posted: 15 Dec 2020 08:06 PM PST

    I've been learning about wholesaling and have been very progressive in my research and knowledge in the business. I've joined facebooks pages to start putting myself out there more, etc. I haven't make any calls yet and plan to make my first one tomorrow! Here's my dumb ass question: I understand you want leads leads leads and a strong buyers list, I've responded to an offer to be given some good leads, how much is the appropriate range of leads to ask for?
    I appreciate any other tips as well, thanks!

    submitted by /u/moonqueen333
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    Real Estate Investing Advice

    Posted: 15 Dec 2020 07:52 PM PST

    Real Estate Investing Advice

    Does anyone have any general tips or advice for someone wanting to get into real estate investing. Would you recommend house flipping? I've read a lot about it, but I want to know if it's actually worth it, and if there is gain from it. Any advice is welcome, Thank you for the help!!

    submitted by /u/Jay_vghyyje11689
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    Pros and Cons of using a Credit Union For Investors

    Posted: 15 Dec 2020 08:50 AM PST

    I've got a few properties and have been investing for about 8 years. I plan to slowly continue expanding over the next 20 years as my retirement plan. Currently I'm selling a property and completing my first 1031 exchange. I have heard lots of people talk about the benefits of working with a small local bank or credit union because you can build relationships instead of calling a 1-800 number and as you expand and may need portfolio or non-conforming loans, they can help more than a big national chain.

    Currently, I've got mortgages and HELOC's through several different banks and I figure that now, during this 1031 process and before I've gotten too big, would be a good time to find a small local credit union. Ideally, I'd like to do all (or most... I'm not going to refinance just to move a loan) my business banking, all mortgages, and all HELOC's under one roof.

    I've "interviewed" a few so far and it seems that some may not loan on investments, or they loan on investments but don't do HELOC's, or "yeah, we do mortgages but they are outsourced to 'x' mortgage company. You would have to ask them specifically those questions" or other similar issues.

    For those who have multiple properties and use a Credit Union for their "business" banking (I don't care where your personal paycheck goes), can you share your experiences, pros, cons, etc.? Do you still use a mortgage broker or do you do all mortgages and HELOC's through one credit union even if a rate could be lower elsewhere? What criteria would you recommend I evaluate a potential credit union on?

    submitted by /u/SmarterThanMyBoss
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    How to find a mentor/group leader with no experience or capital

    Posted: 15 Dec 2020 06:42 PM PST

    This will probably be the most naive thing you'll read all day. I've (26M) started reading recommended books and reading your guys' strategy posts.

    Just curious how you guys teamed up with a mentor when you had little to no capital in the beginning? Would it be dumb to just walk into a REI meeting, even if I found one, and just start asking questions to guys who are more interested in real players?

    I'd like to think there are seasoned guys looking to mentor younger, hungrier guys for next to nothing, but I also feel like there is a huge scam trend out there feeding on people with my ambition.

    Where do I find a real mentor?

    submitted by /u/Sketchman_D
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    Help! I've wholesaled a house but don't know what I'm doing

    Posted: 15 Dec 2020 01:53 PM PST

    I've found an off-market deal with plenty of room. I've gotten the seller to agree on a price. I've gotten a buyer to agree on a higher price. There's a small spread left in the middle for me. I was honestly not prepared for this to work, so I'm stuck on what to do next.

    I know I need the seller to sign an assignable contract, but am not sure where to get one. What do I need to watch out for next, etc?

    submitted by /u/1111thatsfiveones
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    Buy now, Rent and Move or Move now, Buy and Rent

    Posted: 15 Dec 2020 05:34 PM PST

    I currently live in Houston, TX but would like to move to Portland, OR in the next year or so. My dad retired to a town outside of Portland, he has a large house with a garage apartment and said I could live in the apartment until I get on my feet.

    I know Houston neighborhoods and prices are much cheaper in Houston than in Portland. I've always wanted an investment property so I'm considering buying my first home in Houston, renting it, then moving to Portland.

    My other option would be to move to Portland. Live at my dad's place until I'm able to buy something, then rent it out down the road.

    I understand Real Estate Investing is more attractive in Texas than in Oregon. Houston has more inventory and is more affordable than Portland. Plus I know Houston better. Any advice on what I should do would be appreciated.

    submitted by /u/SquidProJoe
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    Home buyer backed out last minute. Any tips?

    Posted: 15 Dec 2020 04:39 PM PST

    One of my rental homes in another town came up vacant in April and the tenant left it in pretty bad shape so I decided to fix it up and sell. I've had a lot of frustrations here. My contractor stopped work in the middle of the summer and just ghosted me altogether. After a couple weeks of not hearing from him I went in and finished a lot of the work myself but it took me until fall. Then right before I listed for sale an upstairs pipe leaked and flooded the house so I had to redo a bunch of stuff.

    Finally I got it listed for sale in October. It was the perfect time, right before it got cold. I had planted some nice hostas in the garden and decorated the front porch for the real estate pictures and showings. After a few weeks I got an offer that seem pretty good so I took it. The inspections were done and she asked for a number of repairs, and some things that weren't repairs like an AC inspection and gutter cleaning. I agreed to these and went ahead and have them done. Appraisal came out fine.

    Finally the day before closing they did a final walk-through and she brought her children. The children were upset with the house because it had a bathroom upstairs and they sent over a cancellation. The cancellation is offering to give me the earnest money but I'm pretty frustrated about this. I did all the requested work and have had several months of carrying costs, only to have a deal fall through because of the floor plan, not any fault of my own. Now it's right before Christmas and I feel like I am potentially relisting the sale in a completely different housing market.

    I'm waiting to hear back from the lawyer. I did not sign the cancellation or accept the earnest money. I'm sure I have legal rights here but I can't decide if they are worth pursuing. Does anybody have any tips?

    submitted by /u/Threevestimesacharm
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    Available Home Equity Lines of Credit?

    Posted: 15 Dec 2020 12:40 PM PST

    First time poster, happy to answer any additional questions.

    I'm looking to leverage my current investment property to finance another one soon. As I'm doing research, I'm noticing that most banks are not currently offering lines of credit currently due to the uncertainty of the pandemic.

    Has anyone had success with recently opening a home equity line of credit and if so, do you mind sharing your strategy for doing so?

    Thanks

    submitted by /u/prideofSC
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    Want to build a 1200-1500sq ft unit in the “back” of my duplex, is this allowed?

    Posted: 15 Dec 2020 12:24 PM PST

    Hey guys, I'm seriously interested in building a single family 1200-1500 sq ft house in the back of a duplex that I currently own. The lot size is 1.15 acres and my duplex is around 2300 sq ft. There is a U shaped driveway around the duplex and if you look at the house from the street, I would just build a road to the right hand side that leads to this single family home a bit passed the detached garage.

    Reason for wanting to build is to maximize on the land I currently own since there is a housing shortage in my area. I had a a close friends tenant pass away and there were around 500 people message him asking if they can live there in the first day.

    I live in upstate New York and want to see if this is a possible route to take, currently in my market tenants are paying $1700/m for new construction 1BR 1BA apartments...

    Can I just file a new construction permit on the current lot or would I need to subdivide the land to build in the back? Is this even allowed on a rectangle shaped lot that's not a corner lot with an already existing street facing lot?

    Want to hear some feedback and thoughts on this, below is a small sketch on my proposal.

    https://imgur.com/gallery/WQmdCXi

    -They grey is the current parking lot loop.
    -the red would be the road I would make that leads to the new home.
    -the blue is the proposed lot subdivide if needed to construct this home. -the drawing is obviously where I would put the new home.

    Thanks!

    submitted by /u/i5k
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    I’m looking at selling several properties to buy a hobby farm just outside of town. It's zone agricultural so we will grow something token on it to keep the zoning. My question is can I use a 1031 exchange for the purchase?

    Posted: 15 Dec 2020 02:38 PM PST

    I'm also wondering what opinions are on consolidating assets into one property when the net values are pretty even. Thanks in advance!

    submitted by /u/TheShlepper
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    Can you transfer mortgaged property into an LLC?

    Posted: 15 Dec 2020 01:51 PM PST

    I just purchased real estate property. It was a part sale and part gift of equity from family member and it's being rented out.
    Should I have purchased it under an LLC or can I still transfer the property into an LLC later?
    My goal is to either use as collateral to hopefully purchase more rentals or if that's not possible to sell and do an exchange into a multi family in cheaper locations.

    submitted by /u/ynotplay
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    Would you agree to this? (Lease Option)

    Posted: 15 Dec 2020 04:10 AM PST

    Just started looking for first property and found a condo we're interested in. Only issue is we're not quite ready to buy yet, but will def be ready within a few months.

    Condo is listed for rent and for sale(100+ DOM). Don't want to miss out on it but also don't want to be stuck in a lease once we have our ducks in a row; would much rather monthly payments go towards building equity.

    How realistic is it to do a lease at the listed monthly rent with the option to buy for the asking price at any time during the leasing period? Or is there a better way to structure the deal (interest only then balloon payments, etc)

    Also I'm going to be getting my realtors license soon, will I be able to earn commission once we buy or will working with the realtor on the lease while I'm not licensed disqualify me from that?

    submitted by /u/cleanchic
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    Living in Toronto, Canada and investing in US real estate

    Posted: 15 Dec 2020 09:23 AM PST

    I am a US citizen currently living in Canada. The housing prices in Toronto are absurd compared to equivalents in many US cities. I am interested in potentially investing in real estate in the US (Philly area) however am unsure about any of the tax implications involved in this or any other cross-border limitations.

    Can anyone advise on things to consider? Truly appreciated.

    submitted by /u/MidnightGreen76
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